In 2026, FHA loan limits in Upper-Montclair county of Essex, NJ are set at $822,375 for single-family homes, $1,053,000 for 2-units, $1,272,750 for 3-units, and $1,581,750 for 4-units.
The maximum loan amount for conventional loans on a single-family residence is $822,375, $1,053,000 for 2-units, $1,272,750 for 3-units, and $1,581,750 for 4-units.
Use our FHA calculator to discover today’s best FHA rates and find out the needed downpayment, income, credit, reserves, and documents for qualification.
The Lendersa® calculator lets you compare FHA rates and terms with other programs. Consider Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
Lendersa® swiftly compiles data from thousands of lenders, aligning it with your financial profile and needs.
The Loan Limits Comparison Table for 2026 in Upper-Montclair county, Essex, NJ helps compare FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans' maximum amounts. Use Lendersa® Super Loan Integrated Qualifier (SLIQ™) for income, reserves, and credit assessments.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| USDA | $0 | $0 | $0 | $0 |
| VA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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